Harbine, NE
How exposed is Harbine to wildfire?
Harbine's 66 buildings earn a 29th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Harbine's burn probability — fire likelihood with no building count factored in — sits at the 19th percentile nationally.
Where Harbine's buildings actually sit
Only 13.6% of Harbine's 66 buildings carry Direct exposure and 0% carry Indirect; the remaining 86.4% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Harbine against the rest of the country
Harbine scores 29th nationally and 15th within Nebraska — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Harbine ranks 22,345 for wildfire risk (1 is highest) and 30,435 by building count (1 is largest). Within Nebraska alone, it ranks 497 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Shopping for coverage in Harbine
Harbine's moderate rating (29th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Harbine
Harbine's 86.4% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Harbine's figures come from
Harbine's 29th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Harbine's dominant minimal exposure actually means, with real examples from across the dataset.